FU Money Secrets: Unlocking the Power of Savings

*Some of the links in this post are affiliate links. This means that at no additional cost to you, I will earn a commission for items that you purchase. For more information, please refer to my disclosure policy.

Key Takeaways

1. FU money is a must in any financial freedom plan.

2. FU money allows you to leave a toxic job without having another job lined up.

3. Leave worry behind. FU money is there to support you whenever you need to make an important life change.

Brooke’s Top Pick for FU Jewelry

Small FU Studs by StephBarnesStudio

• Made to order

• Hand-cast pewter with stainless steel backs

• Hand stamped

• Gift wrapping available

FU Money

FU money is a crucial component of any financial freedom plan. Similar to an emergency savings account, FU money puts you in charge of your money and your life.

When you really stop to think about it, you’ve been hearing about money your entire life because everyone around you has always been in pursuit of it. However, the interesting thing is how few details about people’s financial situations are actually shared with you. Besides having basic conversations about spending and saving, most people never get around to discussing the nitty gritty of using money as a tool, like having the ability to quit a job you hate or retire early, thanks to a little thing called FU Money.

Now that you’re reading this, you know it’s true. Just take a minute and think about all of the things you’ve heard about money in the past.

You may have heard things like:

• Money is power

• Money is everything

• Money is the root of all evil

• Money can’t buy happiness

• Cash is king

• Dolla dolla bill y’all

And you may have even heard that you should live frugally and have an emergency fund. But unless you’re one of the lucky few, no one ever sat you down and told you about FU money and how it can change your entire life—until now.

At some point, you were expressly taught that talking openly about money is not a polite thing to do. As a kid, you may have asked someone how much they paid for college or how much their vacation cost, and sure enough, an adult was there to slap your hand, figuratively speaking, so that you never made that same faux pas again.

Even if you chose to ignore that advice and asked people about their incomes or the cost of their homes, you’d probably just hear crickets. So you never get to find out any details, like if they save FU money or if they’re just hoping and praying everything turns out okay in life.

But wouldn’t you be better with your own money if people shared their financial successes and failures with you? Does it really make sense to keep everything so hush-hush?

Just think about how much it would benefit you to actually see someone else’s budget, savings rate, FU money account, retirement portfolio, and net worth. You’d be able to learn countless lessons about money from this other person. And suddenly, it would become obvious why FU money should be an important part of everyone’s personal finances, including yours.

What is FU Money

FU money means having enough savings that you’re able to escape a harmful work situation without having to worry about paying bills or having another job already lined up. FU money gives you the freedom to quit a toxic job, say no to work assignments, or stand up to a difficult boss or co-worker.

When it comes to personal finances, everyone agrees that the first step is setting a budget. It’s incredibly important to know your monthly expenses and to make sure that your money is working hard for you. Next, you need to save an emergency fund for all of life’s little surprises, so that small emergencies don’t wipe you out financially. And the third thing you need to do is start saving FU money.

Basically, when life gets too hard, when your anxiety is through the roof, or when you have no work-life balance and you can’t stomach the idea of living through it even one more day, you can just pull the trigger and quit your toxic job. and your FU money is there to catch you.

Brooke’s Top Pick for a Custom Countdown Calendar

Custom Countdown Wood Sign by KristaCustomShop

• Handmade to order

• Two sizes to choose from

• Customizable

• Comes with a stand and a drawstring bag for number storage

Why is FU Money Important

FU Money is important because it gives you all the power by putting you back in control over your own life and eliminating your need to depend on an income.

No more struggling to get ahead, hating your life, and just wishing you would achieve financial independence already. An FU fund will make a world of difference in your life by allowing you the time you need to find a job you’d actually love, and you’ll find yourself transferring more of your hard-earned cash into it over time.

Just think of how much FU money you’ll save if you move just one dollar into your account every time someone acts like a jerk at work, every time they take credit for your success, or every time they cram a foot in their own mouth. It’s amazing how limber jerks can be!

Remember, as long as you’re a slave to your paycheck, as long as your spending habits control you, and as long as you have no idea where your money is going as soon as your paycheck hits your bank account, you won’t experience the freedom that comes with being able to walk away at any time.

But what if you don’t want to walk away? What if you love your job? Do you still need to build an FU fund then?

Just ask yourself these 5 FU money questions and the answer will become obvious:

1. Would an FU fund come in handy if my boss quit tomorrow and was replaced by the world’s meanest boss who was set on making my days a living nightmare?
2. Would FU money save me financially if I got a huge pay cut because my employer couldn’t afford to pay my salary anymore?
3. How could FU savings help us if we decided to start a family, and either my partner or I decided to stay home with the baby?
4. How could I use FU money as leverage when my boss tries to give me even more responsibility without a pay raise?
5. Could I even tap into my FU fund if I needed to walk away from a bad relationship and no longer have a second income in my household?

If you answered yes to any of these questions, you need to start building your FU fund today. And why keep it a secret? Wouldn’t you feel better if your parents had an FU fund? What about your kids, your best friend, or your favorite co-worker?

Saving FU money helps you prepare to say FU when life gets tough without having financial repercussions. It only makes sense that we would share this secret with those closest to us.

Money, in general, is talked about every day. Shouldn’t we be talking about this more too? Remember, there’s a reason why money is mentioned in the Bible more than 800 times. And there’s a reason why there are so many memorable quotes about money attributed to the greats like William Shakespeare, Benjamin Franklin, and Albert Einstein.

What they knew about money and what too few of us know about it today, is that the importance of money does not lie in the goods it can buy.

• Money is power because it gives you back control over your own life.

• Money is everything because spending less than what you earn allows you freedom from worry.

• Money is the root of all evil when people put their efforts into obtaining it while neglecting those they love.

• Money can’t buy happiness by itself, but it can buy freedom which makes you a whole lot happier overall.

• Cash is king when you need to walk away from a bad situation.

• Dolla dolla bill y’all.

FAQs

1. What is the meaning of FU money?

Having FU money simply means having enough money in savings that you can leave a job at any time without having another one lined up and without facing financial hardship as a result.

2. How can FU money help me?

FU Money can help you by providing you with a financial safety net if you choose to leave your job. It eliminates your need to stay in a position you hate simply because you’re dependent on a steady income.

3. What can you use FU money for?

You can use FU money for any of your financial needs, like paying bills, paying off your debt, continuing your education, traveling, self-care, or receiving mental health services.

Sources

• Bible Study Tools: Tithing in the Bible
• Harvard Business School: Cut Salaries or Cut People? The Best Way to Survive a Downturn
• The University of Wisconsin: Financial Literacy and Emergency Saving

Love What You’re Seeing So Far?

• Enjoy community support
• Never miss a life-changing post again
• Get immediate access to the free resources library
• Be the first to know about giveaways

What’s your number one reason for saving FU money? Share your thoughts in the comments section below.